Teachers Health Fund
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Teachers Health Travel Insurance

Our verdict: Teachers Health Travel Insurance offers a range of cover options but can be a little pricier than other brands if you’re not a member.

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  • You may be able to get cover for pre-existing medical conditions. Apply online and get an answer instantly.
  • You can set your own limit for cancellation costs so if you have a cheap holiday booked you can save on premiums and if you have a luxe holiday planned, you can get adequate cover.


  • If you're not a Teachers Health member, you might find the policies a little more expensive than similar options available elsewhere.
Teachers Health Travel Insurance is not currently available via Finder. You can head to the Teachers Health website or compare alternative options available below.

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Summary of Teachers Health Comprehensive policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesCover chosen
Luggage and Personal Effects$10,000
Maximum Age LimitNo age limit

Table updated August 2023

How does Teachers Health Travel Insurance cover COVID-19?

Teachers Health Travel Insurance offers cover for claims related to COVID-19 across a range of categories, including:

  • Overseas medical costs if you are diagnosed while on your trip
  • Accomodation and transport expenses if you're diagnosed while on your trip
  • Cost to return your dependants to Australia if your hospitalisation leaves them unsupervised
  • Your body returned to Australia if you die overseas due to COVID-19

There are some scenarios that are not covered by Teachers Health Travel Insurance including any costs that are not a direct result of you or a travelling companion being diagnosed with COVID-19. This includes mandatory quarantine, border closures and government travel bans.

What policies does Teachers Health Travel Insurance offer?

Teachers Health offers five different insurance policies. Comprehensive, Essentials, Domestic, Multi-Trip and Non-Medical.

The Comprehensive, Essentials and Domestic plans can be purchased as a single, duo or family.

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The insurer of this product is Allianz Australia Insurance Limited. It comes with a cooling-off period of 14 days and choice of $200 standard excess for international plans.

Here's a breakdown of Teachers Health Travel Insurance features

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Standard features

These are some of the main insured events covered by Teachers Health Travel Insurance. Some of these benefits may be exclusively available on the Comprehensive Plan.

  • Overseas medical treatment
  • Lost, damaged or stolen property
  • Trip cancellation or amendment
  • Additional accommodation and transport
  • Rental vehicle excess
  • Luggage and travel delay
  • Permanent disability
  • Kidnap and hijack
  • Personal liability
  • Accidental death

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Optional add-ons

As well as the benefits above, you can customise your policy with the following add-ons. Generally, these will increase the price of your policy but they do give you greater protection.

  • Adventure Pack. Cover for riskier activities including motorbike riding (if you have a licence), tandem skydiving, and outdoor rock climbing.
  • Cruise Pack. Extends your insurance to cover cruises plus a range of cruise-specific risks including ship to shore evacuation, marine rescue and cabin confinement.
  • Snow Pack Covers you if you're participating in certain snowsports, including injury, equipment damage and liability. Only available for under 75s.
  • Increased Item Limits Cover.Increases the total and overall value limits applied to your belongings, giving greater protection for expensive pieces.

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Unfortunately, travel insurance doesn't cover everything. Generally, Teachers Health will not pay your claim if it relates to:

  • A pre-existing medical condition that you did not declare and secure coverage for.
  • Healthcare if you're over 24 weeks' pregnant.
  • Any unlawful act committed by you
  • Any reckless or unsafe act committed by you
  • Addiction or substance abuse by you
  • Elective surgery
  • You being unfit to travel or travelling against the advice of a medical practitioner
  • Self-inflicted injury or illness, suicide or attempted suicide
  • Your impairment due to you drinking too much alcohol

This is not an exhaustive list of exclusions. Make sure you review Teachers Health's PDS for a detailed breakdown of what won't be covered.

How to make an Teachers Health Travel Insurance claim

You can submit your claim online via the Teachers Health Claims Portal.

You'll need your policy number and personal details ready. You should also have:

  • Your travel itinerary
  • Receipts for any expenses you want to claim
  • Any relevant medical records
  • Any relevant policy reports

Here's the bottom line about Teachers Health Travel Insurance

Teachers Health Travel Insurance offers good quality cover with strong limits. It includes some cover for claims related to COVID-19, is available to travellers of all ages, and will consider covering pre-existing medical conditions.

However, it may be a little more expensive that similar policies in the market, unless you're a member.

If you're still not sure about Teachers Health, you can compare other travel insurance companies here.

Frequently asked questions

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2 Responses

    Default Gravatar
    PaulDecember 7, 2015

    My wife and I are booking a 9 day trip to Hong Kong in early March and a 20 day trip to Vietnam and Cambodia in late November/early December.

    Would a yearly comprehensive travel insurance policy be cheaper than a separate policy for each trip.

      RichardDecember 7, 2015Finder

      Hi Paul,

      Thanks for your question.

      It will depend on the level of cover and the insurer you choose to go with. We have a page that compares the cost of a single trip policy with that of an annual insurance for multi-trips. These costs were correct as of September 2015, so while these costs may have changed they should give you a general idea of where you’ll find the best value.

      Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      I hope this was helpful,

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